Perhaps the law has changed, or perhaps insurers now accept wider liabilities than they once did… however in 1999 I was stopped on the M2 travelling at 125mph in a Mondeo estate…
The Mondeo belonged to my then-employer, whose car fleet was tax-exempt due to being Crown property.
This tax exemption had the unfortunate consequence of causing the fleet manager to forget their ageing fleet needed MOT’ing.
I was naturally enough handed a Producer on the hard-shoulder, which I later sheepishly took to Fleet Management to get the rest of the dox. At which point - blind panic on their part. Which surprised me.
Turned-out (which I didn’t know at the time), that it doesn’t matter who owns a vehicle - the person driving it is responsible for all aspects of its road legality.
A month later I appeared at Maidstone CC and was charged with speeding and driving while uninsured, as the lack of MOT invalidated the insurance.
Did you actually get found guilty, though? (I guess you did based on your post). In which case, I think you were hard done by.
Unfortunately the police are often not very good on what the actual law is. Perhaps surprisingly, quite often nor are magistrates (which is why they have legal advisors).
Certainly, if the car can be shown to be roadworthy, I would be arguing that in court if it ever came to it.
I did, but got a pretty light sentence - 4 week ban and £200 fine. I suspect the funny-handshake brigade had intervened lest I should have gone public… No disciplinary consequences either.
Only moment of levity was turning-up at Rotherhithe nick and explaining why I couldn’t provide dox - and the desk sergeant calling his colleagues out from the back room to have a good laugh at the clusterfuck, not least “didn’t know you get one of those shitboxes moving that fast!” - honestly the bastards were in stitches!